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need to know
Coca-Cola revenue beats, but profit falls short
Wendy's profit, revenue beats expectations
Sears warns on sales, to speed up closures
European stocks seesaw as banks slump
Head-on train crash kills at least 9 in Germany
Greek protests escalate over refugee camps
Film flops hurt 21st Century Fox outlook
Cracking down on college financial-aid cheats


IEA warns oil surplus will be worse than expected
IEA warns oil surplus will be worse than expected
Oil rises, shrugging off IEA report

Oil industry woes grow as storage levels hit ‘critical level’
Oil woes grow as storage hits ‘critical’ level

99 Cent Gas May Be on Its Way
99-cent gas may be on its way  (24/7 Wall St.)


Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016

Nikkei skids 5% as 10-year bond yield moves negative
Japan minister warns against yen’s ‘rough’ rise

5 questions that Janet Yellen must answer

Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Why retirement is a myth
Why retirement is a myth



Convertible bonds are alluring as stocks slip
Convertible bonds are alluring as stocks fall


Record number of Americans give up citizenship

Google CEO Sundar Pichai gets $199 million in stock

Europe’s battles: Migrants, Brexit and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


Resist the urge to buy this stock pullback: J.P. Morgan

Yelp’s billion-dollar path hits a detour
Yelp posts earnings early, CFO to step down


Tesla downward revision is among the biggest
Tesla earnings: Model 3, Model X in focus

Why a selloff in European bank stocks is ominous
Bank stocks have taken enough: analyst
Deutsche Bank shares fall again in bank rout

Computer virus wants to remind you to have a nice day
Justice Department data exposed in breach

23 stocks they’re throwing out with the bathwater

Chipotle wants to give you a burrito — how to get it
What did Chipotle workers do today?
Chipotle closes up shop for a few hours Monday
VOTE: If not Chipotle, where would you eat?

Chesapeake denies bankruptcy plan as shares dive
What are the 8 strongest S&P energy stocks?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

Rubio in freefall in New Hampshire betting
Republican primary: 3 things to watch
Bloomberg considering presidential run
Voter turnout in each U.S. state (24/7 Wall St.)

How Clinton can rebound after New Hampshire
Blunders may reveal Clinton, Rubio flaws
All those terrible things Hillary Clinton has done

This has been the No. 1 car in America for decades
Cars sink through ice at winter festival
How far can you go on $50 in gas?


In the U.S., socialism is no longer such a dirty word
Bill Clinton: Sanders is ‘enemy of all things big’

/conga/frontpage.html 367423

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/quotes/zigman/16008150/realtime/sampled 114.84 -1.01 0.87%
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GOOG /quotes/zigman/59527964/composite 682.74 -0.83 -0.12%
BAC /quotes/zigman/190927/composite 12.27 -0.68 -5.25%
C /quotes/zigman/5065548/composite 37.81 -2.05 -5.14%
F /quotes/zigman/264304/composite 11.59 0.14 1.22%
T /quotes/zigman/398198/composite 37.11 0.23 0.62%
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5 yr CD
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2 yr CD
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MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
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Source:CreditCards.com

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Encore
A blog about living in and planning for retirement

Transportation Nightmares: Worst Cities in America for Seniors

iStockPhoto

When Miss Daisy needed a ride, she just called down to her chauffeur Hoke. But for those of us without her financial outlook, things aren’t looking quite so rosy.

Local governments around the nation rank transportation as their second highest concern for older adults, just below financial issues, according to a survey by the National Association of Area Agencies on Aging. And it’s no wonder: Nearly 80% of Americans 65 and older currently live in a car-dependent suburb or rural area. By 2015, more than 15.5 million seniors will live in communities with poor or nonexistent public transportation, according to a new study by Transportation for America, a coalition of housing, business and environmental organizations that works for transportation reform.

So what’s the big deal with retiring in the ‘burbs? For one, many seniors don’t drive, which obviously makes it more difficult to get around. A study by the National Institute of Aging found that about 30% of women in their early 70s have stopped driving; that increases to 78% of women 85 or older. Men keep driving longer: Only 12% of men in their early 70s don’t, and just 45% of men 85 or older hang up their car keys.

And while there are good reasons to stop driving, doing so has an effect on physical and emotional health. Americans age 65 and up who no longer drive make 15% fewer trips to the doctor than those who drive, according to the 2004 “Aging in America: Stranded Without Options” study. They also make 65% fewer trips to visit friends and family, which can result in social isolation. “Absent access to affordable travel options, seniors face isolation, a reduced quality of life and possible economic hardship,” the Transportation for America study concludes.

The study, which ranked 241 metro areas on how well they will provide public transportation to seniors aged 65 to 79 in 2015, found some big transportation offenders:

Metropolitan Areas with 3 Million or More People

  1. Atlanta, Ga. (90% of seniors aged 65-79 will have poor transit access in 2015)
  2. Riverside–San Bernardino, Calif. (69%)
  3. Houston, Texas (68%)
  4. Detroit, Mich. (68%)
  5. Dallas, Texas (66%)

Metropolitan Areas with 1-3 Million People

  1. Kansas City, Mo. (88%)
  2. Oklahoma City, Okla. (86%)
  3. Fort Worth–Arlington, Texas (86%)
  4. Nashville, Tenn. (85%)
  5. Raleigh–Durham–Chapel Hill, N.C. (80%)

Metropolitan Areas with 250,000-1 Million People

  1. Hamilton–Middletown, Ohio (100%)
  2. Montgomery, Ala. (99%)
  3. Greenville–Spartanburg–Anderson, S.C. (99%)
  4. Hickory–Morganton, N.C. (95%)
  5. Brockton, Mass. (91%)

Metropolitan Areas with Less Than 250,000 People

  1. Hagerstown, Md. (100%)
  2. Waterbury, Conn. (90%)
  3. Greenville, N.C. (87%)
  4. Houma, La. (87%)
  5. Merced, Calif. (86%)

The top mark for public transit access for the 65 – 79 set goes to Jersey City, N.J., in which 97% can count on good public transit options in 2015. Other solid options: Los Angeles-Long Beach, San Francisco and Honolulu.  For full results of this study, click here.

Comments

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Comments (4 of 4)

View all Comments »
    • G7IGrN cyqebyygfqsm

    • Wodenrful explanation of facts available here.

    • Good comment, Bob.

      We live in a country that for the most part could care less about public transit, and also could care less about working parents, as evidenced by the U.S. lagging behind nearly every other nation in the world (industrialized or not) on access to safe, affordable, quality child care.

      I live in the Cleveland area, which, as someone who does not drive, I feel has particularly bad public transit for a large metro area. It astounds me how many people who live here are anti-public transit, so afraid that public transit will attract “those” kinds of people (anyone different than themslves, usually non-white and non upper-class).

      These same people are one day going to be elderly, unable to drive, and then won’t know what to do when there’s no public transit when they need it.

    • In Sweden, nearly every home is just short walking distance to some sort of public transport. Even in rural areas. The best inclusion of the elderly population I saw was a regional train station where the working family member would leave the countryside for a quick journey into the city. At the station was also an old-folks center (coffee, newspapers, exercise, board games) which combined with a childcare center. The daily interaction of the elderly and the children seemed to benefit everyone, especially the parents off at work. Perhaps the USA should start planning for the aging of the Baby Boomers. They will have so much to contribute in their Golden Years, and we shouldn’t make them drive themselves to stay connected.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

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need to know
Coca-Cola revenue beats, but profit falls short
Wendy's profit, revenue beats expectations
Sears warns on sales, to speed up closures
European stocks seesaw as banks slump
Head-on train crash kills at least 9 in Germany
Greek protests escalate over refugee camps
Film flops hurt 21st Century Fox outlook
Cracking down on college financial-aid cheats


IEA warns oil surplus will be worse than expected
IEA warns oil surplus will be worse than expected
Oil rises, shrugging off IEA report

Oil industry woes grow as storage levels hit ‘critical level’
Oil woes grow as storage hits ‘critical’ level

99 Cent Gas May Be on Its Way
99-cent gas may be on its way  (24/7 Wall St.)


Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016

Nikkei skids 5% as 10-year bond yield moves negative
Japan minister warns against yen’s ‘rough’ rise

5 questions that Janet Yellen must answer

Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Why retirement is a myth
Why retirement is a myth



Convertible bonds are alluring as stocks slip
Convertible bonds are alluring as stocks fall


Record number of Americans give up citizenship

Google CEO Sundar Pichai gets $199 million in stock

Europe’s battles: Migrants, Brexit and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


Resist the urge to buy this stock pullback: J.P. Morgan

Yelp’s billion-dollar path hits a detour
Yelp posts earnings early, CFO to step down


Tesla downward revision is among the biggest
Tesla earnings: Model 3, Model X in focus

Why a selloff in European bank stocks is ominous
Bank stocks have taken enough: analyst
Deutsche Bank shares fall again in bank rout

Computer virus wants to remind you to have a nice day
Justice Department data exposed in breach

23 stocks they’re throwing out with the bathwater

Chipotle wants to give you a burrito — how to get it
What did Chipotle workers do today?
Chipotle closes up shop for a few hours Monday
VOTE: If not Chipotle, where would you eat?

Chesapeake denies bankruptcy plan as shares dive
What are the 8 strongest S&P energy stocks?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

Rubio in freefall in New Hampshire betting
Republican primary: 3 things to watch
Bloomberg considering presidential run
Voter turnout in each U.S. state (24/7 Wall St.)

How Clinton can rebound after New Hampshire
Blunders may reveal Clinton, Rubio flaws
All those terrible things Hillary Clinton has done

This has been the No. 1 car in America for decades
Cars sink through ice at winter festival
How far can you go on $50 in gas?


In the U.S., socialism is no longer such a dirty word
Bill Clinton: Sanders is ‘enemy of all things big’

/conga/frontpage.html 367423

Markets »

165.88MDow Volume:
Avg Vol: 129.39M
Unchanged
121
Decliners
4802
Advancers
1600
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,027 -178 1.10%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 -79 1.82%
S&P 500
/quotes/zigman/3870025/realtime 1,853 -27 1.42%
GlobalDow
/quotes/zigman/629063/realtime 2,082 -22 1.04%
Gold
/quotes/zigman/33772884/delayed 1,197 -1 0.11%
Oil
/quotes/zigman/2260836/delayed 29.63 -0.06 0.20%
FTSE 100
/quotes/zigman/3173262/delayed 5,625 -64 1.13%
DAX
/quotes/zigman/2380246/delayed 8,827 -153 1.70%
CAC 40
/quotes/zigman/3173214/delayed 3,959 -107 2.64%
FTSE MIB
/quotes/zigman/1482176/delayed 15,943 -498 3.03%
IBEX 35
/quotes/zigman/2759620/delayed 7,892 -230 2.83%
Stoxx 600
/quotes/zigman/2380150/delayed 308 -6 2.02%
Asia Dow
/quotes/zigman/6959860/realtime 2,464 -51 2.03%
Nikkei 225
/quotes/zigman/5986735/delayed 16,085 -919 5.40%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.41%
Yen
/quotes/zigman/16008150/realtime/sampled 114.84 -1.01 0.87%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 0.00 0.15%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 -0.01 1.38%
DXY Index
/quotes/zigman/1652083/delayed 96.44 -0.24 0.25%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.59 -0.05 0.05%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.72 -0.03 1.66%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.02 8.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.75 +0.05 2.89%
Spain 10yr
/quotes/zigman/15866444/realtime 1.80 +0.04 2.43%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.01%
Japan 10yr
/quotes/zigman/15866525/realtime -0.02 -0.06 163.32%
Crude Oil
/quotes/zigman/2260836/delayed 30 0 0.20%
Gold
/quotes/zigman/33772884/delayed 1,197 -1 0.11%
Corn
/quotes/zigman/25518691/delayed 360 -2 0.55%
DJIA F
/quotes/zigman/48241424/delayed 15,838 -150 0.94%
S&P F
/quotes/zigman/43106711/delayed 1,834 -18 0.99%
Silver
/quotes/zigman/32655632/delayed 15 0 0.14%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.75 -4.32 -4.15%
AAPL /quotes/zigman/68270/composite 95.01 0.99 1.05%
GOOG /quotes/zigman/59527964/composite 682.74 -0.83 -0.12%
BAC /quotes/zigman/190927/composite 12.27 -0.68 -5.25%
C /quotes/zigman/5065548/composite 37.81 -2.05 -5.14%
F /quotes/zigman/264304/composite 11.59 0.14 1.22%
T /quotes/zigman/398198/composite 37.11 0.23 0.62%
BP /quotes/zigman/247026/composite 29.92 -0.54 -1.77%
GE /quotes/zigman/227468/composite 28.17 -0.37 -1.30%
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5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
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MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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